he wrote an op-ed piece pointing out there's another small business problem with obama care. this one has to deal with the definition of employee. that's on top of new paperwork rules, new definitions. those are our top three right now. >> our viewers have their homework assignment during the break to go look that one up. thank you very much, sir. i hope my parents are watching because i know we have a couple of red gas cans in the garage. >>> coming up, merrill lynch was one of the largest financial snugs on wall street. up next, former chairman of merrill's international division, win smith on what led to their collapse during the financial crisis, of course it to be bought by bank of america. the american dream is of a better future, a confident retirement. those dreams, there's just no way we're going to let them die. ♪ like they helped millions of others. by listening. planning. working one on one. that's what ameriprise financial does. that's what they can do with you. that's how ameriprise puts more within reach. ♪ to help secure retirements and protect financial f